What Is Business Insurance For? Business insurance can help you manage your company’s risks. It gives you financial protection from losses that can occur during normal business operations. When you buy insurance coverage, the insurance company helps cover the costs of covered losses up to the limits of your policy.
A Business Owner's Policy (BOP) combines business property and business liability insurance into one business insurance policy. BOP insurance helps cover your business from claims resulting from things like fire, theft or other covered disasters. ... These include claims of bodily injury or property damage.
General liability insurance, also known as commercial general liability insurance or business liability insurance, helps cover: Costs for property damage claims against your business. Medical expenses if someone gets injured at your company. Advertising injury claims against your business..
Commercial Auto Insurance is liability and physical damage protection for vehicles, such as cars, trucks and vans, that are used for business. Commercial vehicles require a separate policy because they're typically exposed to more risk than personal vehicles. Commercial auto insurance isn't just for industrial vehicles like semis or dump trucks. For example, businesses that use a car to run errands, carry tools or transport clients might also need a commercial auto policy.
Excess Liability insurance is a type of policy that provides limits that exceed the underlying liability policy. ... But if the claim exceeds the limits of the primary policy, that is where Excess Liability policy kicks in, picking up the remaining costs that were not covered by the primary insurance.
Workers' Compensation or workers comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
When you combine your auto and home insurance, you could save up to 35%
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